Financial Advisors in Bluffton, SC
Financial advisors, CPAs, tax preparers and mortgage lenders in Bluffton, with where each office is and what each one publishes about how it works.
For a financial advisor in Bluffton, Coastline Complete Wealth (fee-only), Bluffton Financial Planning, Sea Island Financial Services, Revolutionary Financial Group and Graylark Financial all have offices in town. For a CPA, Brian Ange CPA and DBS & Associates; for taxes, Jackson Hewitt, Liberty Tax, H&R Block and Innova; for a mortgage, Gateway, PMC, Unisource and the Kristoff Team.
Updated
Bluffton Facts for Money Matters
- Retirement income
- In ZIP 29909, which takes in Sun City and Okatie, about 7 in 10 households receive Social Security and about 2 in 3 receive retirement income. Inside the town limits it is about 4 in 10 and about 1 in 3 (as of 2024).
- Self-employed
- About 1 in 6 working people inside the town limits runs their own business, and about 1 in 5 in ZIP 29910 (as of 2024).
- Median household income
- $111,281 inside the town limits, $98,912 in ZIP 29910 and $91,294 in ZIP 29909 (as of 2024).
- Mortgage lenders
- Gateway Mortgage, PMC Mortgage and Unisource are each within 0.5 mi of Belfair Towne Village, and the Kristoff Team is 0.3 mi from Old Town.
- Tax offices
- Jackson Hewitt is 0.3 mi from Belfair Towne Village, Liberty Tax 1.0 mi, and H&R Block is at Buckwalter Place on the west side of town.
- Free tax help
- Lowcountry VITA and AARP Tax-Aide volunteers prepare returns at the Bluffton branch library each filing season.
- Licenses
- CPAs are licensed by the SC Board of Accountancy, mortgage companies and loan officers carry NMLS numbers, and advisers register with the SC Attorney General’s Securities Division.
Financial Advisors and Wealth Managers in Bluffton
How we chose these: firms with an office in Bluffton that describe financial planning, retirement planning or wealth management on their own websites, each with a record of client reviews. Each card lists what the firm publishes, including how it is paid or licensed where it says so. We show no fees because none are posted.
255 New Riverside Village Way Ste 202, Bluffton, SC 29909
Phone: (843) 379-1300
Retirement income planning, investment management, tax planning, Social Security timing and estate planning for retirees and people nearing retirement.
Why it’s listed: An independent, fee-only firm of CERTIFIED FINANCIAL PLANNER professionals that says it receives no commissions and sells no proprietary products. Clients describe a team that planned around their long-term goals and family priorities.
- Where:
- New Riverside Village, 0.3 mi from New Riverside Barn Park and 3.8 mi from Sun City; serves Bluffton, Hilton Head Island and Savannah
- How paid:
- Fee-only; says it takes no commissions
- Services:
- Retirement income, investments, tax planning, Social Security timing, estate planning
1024 Berkeley Hall Blvd Ste 201, Bluffton, SC 29909
Phone: (843) 605-9100
Wealth management, estate and charitable giving planning and longevity planning for business owners, families and investors.
Why it’s listed: A Raymond James-affiliated practice led by Nick Martin and Izaac King, a CFA charterholder and CERTIFIED FINANCIAL PLANNER. Clients describe plain-language explanations and ideas for limiting taxes that earlier advisors did not raise.
- Where:
- Berkeley Hall Blvd, 2.5 mi from Sun City and 4.8 mi from Old Town
- Team:
- Nick Martin (AAMS, MBA) and Izaac King (CFA, CFP, MBA)
- Serves:
- Business owners, individuals and families, women investors, sudden wealth
23 Plantation Park Dr Bldg 300 Ste 303, Bluffton, SC 29910
Phone: (843) 637-5055
Retirement strategies, fixed index annuities and life insurance, with free retirement dinner seminars and webinars.
Why it’s listed: An insurance-licensed firm that says no products are sold at its seminars and there is no obligation to book a follow-up. Clients mention the events as a way to learn and to meet neighbors.
- Where:
- Plantation Park Dr, 0.5 mi from Belfair Towne Village and 5.0 mi from Sun City
- Services:
- Retirement strategies, annuities, life insurance
- Events:
- Free retirement strategy dinner seminars and webinars
21 Towne Dr, Bluffton, SC 29910
Phone: (843) 941-7791
Retirement, financial, estate, tax and business transition planning for people approaching retirement.
Why it’s listed: Based in Bluffton, with offices in Greenville and Louisville, Kentucky. Investment advisory services are offered through Alphastar Capital Management, an SEC-registered investment adviser, and the firm says it is not licensed to prepare taxes. Clients describe an advisor who keeps them informed.
- Where:
- Towne Dr, 0.2 mi from Belfair Towne Village and 5.3 mi from Sun City; headquarters in Bluffton
- Advisory:
- Through Alphastar Capital Management, LLC, an SEC-registered investment adviser
- Offices:
- Bluffton, Greenville SC and Louisville KY
181 Bluffton Rd Ste F201, Bluffton, SC 29910
Phone: (843) 931-4900
Retirement planning led by Brian Gray, an author and financial educator, covering Social Security, healthcare and long-term care.
Why it’s listed: Brian Gray wrote a book on planning retirement and teaches classes; one client heard him speak at USCB before booking a visit. Clients describe clear explanations and honest answers.
- Where:
- Bluffton Rd, 0.3 mi from Old Town and 6.4 mi from Sun City
- Led by:
- Brian Gray, author and financial educator
- Topics:
- Social Security, healthcare and long-term care, retirement income
CPAs and Accountants in Bluffton
Two full-service CPA firms with Bluffton offices that list tax, accounting and small business work on their own sites. Each card shows what the firm lists, so you can match it to what you need.
10 State Rd S-7-50 Ste 308, Bluffton, SC 29910
Phone: (843) 400-4590
Tax preparation and planning, small business accounting, payroll, part-time CFO services, new business formation and QuickBooks help.
Why it’s listed: A full-service CPA firm that says it serves individuals and small businesses across the Lowcountry. Clients describe returns that were accurate and finished quickly, and a CPA who is easy to reach.
- Where:
- State Rd S-7-50, 1.9 mi from Belfair Towne Village and 3.8 mi from Old Town
- Business:
- Small business accounting, payroll, part-time CFO, new business formation
- Software:
- QuickBooks setup, training and tune-ups
1024 Berkeley Hall Blvd, Bluffton, SC 29909
Phone: (843) 473-7684
Personal and small business tax, tax planning, IRS representation, small business accounting, payroll, audit and consulting.
Why it’s listed: The firm says its partners and staff bring over 40 years of experience and that a partner is involved in every decision affecting a client. Clients describe thorough work and calls returned.
- Where:
- Berkeley Hall Blvd, 2.5 mi from Sun City and 4.8 mi from Old Town
- Tax:
- Personal tax, tax planning, small business tax, IRS representation
- Also:
- Payroll, audit and consulting, new business formation
Tax Preparers and Bookkeeping in Bluffton
Tax offices in Bluffton for personal returns, plus one office that also does bookkeeping and payroll. The three national offices cluster along Fording Island Road and Buckwalter Place.
3 Godfrey Pl Unit A, Bluffton, SC 29910
Phone: (843) 951-9555
Tax preparation, bookkeeping and payroll for individuals and small businesses.
Why it’s listed: An office that pairs tax returns with bookkeeping and payroll. Clients describe a team that explains what is on the return, and some have used it for taxes for three years.
- Where:
- Godfrey Pl, 1.1 mi from Old Town and 1.3 mi from Belfair Towne Village
- Services:
- Tax preparation, bookkeeping, payroll
- Also:
- Business incorporation help
1008 Fording Island Rd Ste I, Bluffton, SC 29910
Phone: (843) 605-4867
Personal and business tax returns by appointment, with Spanish spoken. Call or text.
Why it’s listed: A national tax office on Fording Island Road with a long run of reviews. Clients describe preparers who explain the breakdown of the return and sort out piles of W-2s and rental income.
- Where:
- Fording Island Rd, 1.0 mi from Belfair Towne Village and 1.5 mi from Old Town
- Services:
- Personal and business returns, in-person appointments
- Language:
- Spanish spoken
878 Fording Island Rd Unit 13, Bluffton, SC 29910
Phone: (843) 593-9411
Individual returns with drop-off, amended returns and extensions, tax planning and IRS audit help, by appointment or walk-in.
Why it’s listed: You can drop off your documents and a tax pro calls to review the return, with e-signing. Clients describe a patient preparer who answers many questions.
- Where:
- Fording Island Rd, 0.3 mi from Belfair Towne Village and 2.1 mi from Old Town
- Drop-off:
- Leave your documents; a tax pro calls to review; e-signing
- Also:
- Amendments, extensions, audit help and identity theft protection
103 Buckwalter Place Blvd Ste 104, Bluffton, SC 29910
Phone: (843) 837-3155
Tax preparation at the Buckwalter Place office on the west side of town.
Why it’s listed: The closest of these tax offices to Sun City and Buckwalter. Some clients have filed here for five years or more and describe a friendly front desk.
- Where:
- Buckwalter Place Blvd, at Buckwalter Place and 2.4 mi from Sun City
- Services:
- Tax preparation
Mortgage Lenders in Bluffton, SC
Mortgage companies with an office in Bluffton that list purchase and refinance loans on their own sites, each with a record of client reviews. All four list NMLS numbers, so you can look any of them up. No rates are shown here because they change daily.
27 Towne Dr Suite 301, Bluffton, SC 29910
Phone: (843) 815-2999
Home loans for buyers, from a team led by area manager Jack Little.
Why it’s listed: The office lists its loan originators and their NMLS numbers on its page. Buyers describe a team that guided them through every step, including a VA loan for buyers moving from California.
- Where:
- Towne Dr, 0.1 mi from Belfair Towne Village and 2.4 mi from Old Town
- Team:
- Jack Little (Area Manager), Mike Little, Victoria Orem, Jaclyn Borja
- NMLS:
- Office listed as NMLS 7233
1 Mallet Way Unit 101, Bluffton, SC 29910
Phone: (843) 836-3111
Home purchase and refinance loans from a company that has offered them since 1992.
Why it’s listed: Lists NMLS 108262 and says it is licensed in South Carolina. Buyers describe loan officers who were organized, explained each step and found a way to close a rocky file.
- Where:
- Mallet Way, 0.3 mi from Belfair Towne Village and 2.0 mi from Old Town
- In business:
- Offering loans since 1992
- NMLS:
- 108262, licensed in South Carolina
29 Plantation Park Dr #113, Bluffton, SC 29910
Phone: (843) 815-9090
Conventional, FHA, VA, USDA, jumbo, fixed-rate and adjustable-rate loans, and refinances.
Why it’s listed: A local company that says it has served the Lowcountry since 1997. Clients describe a team that taught them their loan options, including a USDA refinance.
- Where:
- Plantation Park Dr, 0.5 mi from Belfair Towne Village and 5.0 mi from Sun City
- In business:
- Since 1997
- Loans:
- Conventional, FHA, VA, USDA, jumbo, ARM, refinance
181 Bluffton Rd Ste F-1012 Unit 2, Bluffton, SC 29910
Phone: (843) 603-5924
Purchase and refinance loans, fixed-rate loans and home equity lines of credit (HELOC) from branch manager Nick Kristoff.
Why it’s listed: Loans are originated by CrossCountry Mortgage, LLC; Nick Kristoff lists NMLS 379253 and licenses in Florida, Georgia, South Carolina, North Carolina and Virginia. Buyers describe fast replies and clear communication.
- Where:
- Bluffton Rd, 0.3 mi from Old Town and 2.1 mi from Belfair Towne Village
- Loans:
- Purchase, refinance, fixed rate and HELOC
- Licensed:
- FL, GA, SC, NC and VA
CPA in Bluffton, SC: Who to Call and How to Check a License
Two CPA firms on this page have Bluffton offices: Brian Ange CPA on State Road S-7-50 and DBS & Associates on Berkeley Hall Boulevard. Both list personal tax, small business tax and accounting, payroll and new business formation. DBS adds IRS representation and audit work, and Brian Ange adds QuickBooks setup and training and part-time CFO services.
The SC Board of Accountancy, part of the Department of Labor, Licensing and Regulation, licenses CPAs, public accountants and accounting practitioners, and its Licensee Lookup is open to the public. Its office number is (803) 896-4770.
Accountants in Bluffton, SC: CPA, Bookkeeper or Tax Preparer
Accountant is not a single license. The SC Board of Accountancy lists three: certified public accountants, public accountants and accounting practitioners. A CPA firm such as Brian Ange or DBS can prepare returns and do accounting for a business. A tax office such as Jackson Hewitt, Liberty Tax or H&R Block focuses on returns, and Innova Investments pairs returns with bookkeeping and payroll.
Self-employed people are a big part of Bluffton’s work force, about 1 in 6 inside the town limits and 1 in 5 in ZIP 29910, so most of these offices list small business work. Ask any of them which of your needs they cover before you book.
Wealth Management in Bluffton: How Each Firm Is Paid and Licensed
The five advisor firms above describe themselves differently, and the difference is worth asking about. Coastline Complete Wealth says it is an independent, fee-only firm that takes no commissions. Bluffton Financial Planning is a Raymond James-affiliated practice, and Revolutionary Financial Group offers advisory services through Alphastar Capital Management, an SEC-registered investment adviser. Sea Island Financial Services and Graylark lead with retirement income, and Sea Island lists its insurance licenses.
Investment advisers and financial planners working in South Carolina must register or file a notice with the Securities Division of the SC Attorney General. You can ask the Division whether an adviser is registered or has reportable complaints at (803) 734-9916, and it advises checking more than one database because a person may be registered as a broker, an adviser or something else. Lawyers on and near Hilton Head handle wills and trusts when a plan calls for them.
Retirement Planning in Bluffton, SC
Retirement is central here. In ZIP 29909, which takes in Sun City Hilton Head and Okatie, about 7 in 10 households receive Social Security and about 2 in 3 receive retirement income (as of 2024). Many advisors here work with retirees: Coastline lists retirement income planning and Social Security timing, Graylark’s Brian Gray wrote a book on planning retirement, and Revolutionary and Sea Island run retirement classes and seminars that clients mention.
Sea Island’s dinner seminars are free and the firm says no products are sold at them; Graylark’s website lists events as well. For where the money goes after you move, see South Carolina retirement taxes, the cost of living in Bluffton and senior living in Bluffton.
Bookkeeping in Bluffton, SC for Small Businesses
Innova Investments on Godfrey Place lists bookkeeping, payroll and tax preparation. Brian Ange CPA lists small business accounting, payroll, part-time CFO services and QuickBooks setup, training and tune-ups, and DBS & Associates lists small business accounting, payroll and new business formation. Ask whether the work is monthly or only at tax time, who enters the transactions and who reviews the books.
About 1 in 6 workers inside the town limits is self-employed, and about 1 in 5 in ZIP 29910 (as of 2024), so a new business here has plenty of neighbors who have set up the same way. For a business address, see New Riverside and the banks in Bluffton.
Mortgage Lenders in Bluffton, SC and Where They Are
Gateway Mortgage on Towne Drive, PMC Mortgage on Mallet Way and Unisource on Plantation Park Drive are each within 0.5 miles of Belfair Towne Village. The Kristoff Team is on Bluffton Road, 0.3 miles from Old Town. PMC has offered loans since 1992, Unisource since 1997, and Nick Kristoff lists licenses in five states, which helps buyers moving from elsewhere.
Unisource lists conventional, FHA, VA, USDA, jumbo, fixed-rate and adjustable-rate loans, and refinances. A Gateway client moved from California on a VA loan, and Unisource clients mention a USDA refinance. For homes to buy, see Bluffton real estate, and for a bank or credit union loan see the banks in Bluffton.
Tax Preparers in Bluffton, SC: Offices by Area
Jackson Hewitt (0.3 miles from Belfair Towne Village) and Liberty Tax (1.0 mile) sit along Fording Island Road, and Innova is on Godfrey Place 1.1 miles from Old Town. H&R Block is at Buckwalter Place, 2.4 miles from Sun City, the nearest of these tax offices to Sun City. CPA firms Brian Ange and DBS cover returns too, with more business and planning work.
Jackson Hewitt lists amended returns, extensions and IRS audit help, and DBS lists IRS representation. Ask any preparer what happens if the IRS writes you later, who answers and whether that help costs extra.
Mortgage Brokers in Bluffton: Broker or Lender?
A mortgage lender makes the loan with its own or its investors’ money. A mortgage broker finds a loan from a lender for you. South Carolina divides the licensing: the Department of Consumer Affairs handles mortgage brokers, and the State Board of Financial Institutions, through its Consumer Finance Division, licenses mortgage lenders, servicers and loan originators. Each office is in Columbia; the Department of Consumer Affairs number is (800) 922-1594.
You can look up any company or loan officer for free on NMLS Consumer Access (nmlsconsumeraccess.org) with a name or NMLS number. PMC Mortgage lists NMLS 108262, Gateway Mortgage lists its office and each originator, and the Kristoff Team lists its loan officer’s number and CrossCountry Mortgage’s. Ask any of the four whether they are the lender or arrange the loan with one.
Tax Preparation in Bluffton, SC: Drop-Off, Appointments and Free Help
Jackson Hewitt lets you drop off your documents, then a tax pro calls to review the return and you e-sign; it also takes walk-ins and recommends booking online or by phone. Liberty Tax takes calls or texts for appointments and lists Spanish. Brian Ange’s site has tax due dates, a free organizer and a client portal for sending documents.
Free help is available. Lowcountry VITA, run with United Way of the Lowcountry, helps people earning about $75,000 or less, people with disabilities, adults 60 and older and people with limited English. Its line is (843) 321-9071 and its schedule is at vitalowcountry.org. AARP Tax-Aide volunteers prepare and e-file returns at the Bluffton and Hilton Head branch libraries; check dates each season, because the county posts new notices every winter.
Frequently Asked Questions
Who are the financial advisors in Bluffton, SC?
Coastline Complete Wealth, Bluffton Financial Planning, Sea Island Financial Services, Revolutionary Financial Group and Graylark Financial all have Bluffton offices. Coastline is fee-only and Bluffton Financial Planning is Raymond James-affiliated; the cards list each one’s services and how it is paid or licensed.
What is a fee-only financial advisor?
It means the firm is paid only by its clients, not by commissions on products it sells. Coastline Complete Wealth in Bluffton describes itself as fee-only and says it takes no commissions. Ask any firm how it is paid before you sign.
How do I check a financial advisor in South Carolina?
Call the Securities Division of the SC Attorney General at (803) 734-9916 to ask whether an adviser or planner is registered or has reportable complaints. The Division suggests checking more than one database, since a person can be registered as a broker, an adviser or something else.
Where can I get estate planning help in Bluffton?
Coastline Complete Wealth and Revolutionary Financial Group list estate planning among their services, and Bluffton Financial Planning lists estate, charitable giving and trust planning. Wills and trusts themselves are drawn up by an attorney; see the lawyers on and near Hilton Head Island.
Does anyone in Bluffton do home equity loans?
The Kristoff Team at CrossCountry Mortgage lists a HELOC, a home equity line of credit, among its loans. Banks and credit unions in town also lend against home equity; see the banks in Bluffton. Ask each lender about rates and closing costs, which they do not post.
What is the difference between a CPA and an accountant?
The SC Board of Accountancy licenses certified public accountants, public accountants and accounting practitioners. Brian Ange CPA and DBS & Associates are CPA firms in Bluffton. Innova Investments offers tax, bookkeeping and payroll.
Is there free tax help in Bluffton?
Yes. Lowcountry VITA helps people earning about $75,000 or less, people with disabilities, adults 60 and older and people with limited English, at (843) 321-9071. AARP Tax-Aide volunteers prepare returns at the Bluffton and Hilton Head branch libraries. Dates change each season.
What is the difference between a mortgage broker and a mortgage lender?
A lender makes the loan. A broker finds a loan from a lender for you. In South Carolina the Department of Consumer Affairs licenses brokers and the Board of Financial Institutions licenses lenders and loan originators. Look up any company free on NMLS Consumer Access.
Where are the mortgage lenders in Bluffton?
Gateway Mortgage, PMC Mortgage and Unisource are within 0.5 miles of Belfair Towne Village, and the Kristoff Team is on Bluffton Road, 0.3 miles from Old Town.
Which tax preparer is closest to Sun City?
H&R Block at Buckwalter Place is 2.4 miles from Sun City. Brian Ange CPA is 3.8 miles away and DBS & Associates, on Berkeley Hall Boulevard, 2.5 miles.
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